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 Cheapest Life Insurance USA

First Penn-Pacific Life Insurance Co. -
Life Insurance

Innovative. Flexible - First Penn-Pacific Life Insurance Company

How did First Penn-Pacific Life become known for innovation? Perhaps when they were among the first to offer universal life insurance policies in the U.S. Or when First Penn-Pacific Life pioneered MoneyGuard®, which proved that linked benefits - a combination of universal life insurance and long-term care benefits - offered their customers flexible protection.

First Penn-Pacific Life have been aggressive about keeping their term life insurance products affordable, and they are ranked some of the most competitively priced in the industry.

The First Penn-Pacific Life legacy is one of innovation, flexibility and success. They are proud to share with you their milestones, demonstrating their commitment to putting you, their valued customer, first.

Industry Ratings
A.M. Best Company, Fitch (formerly Duff & Phelps), Moody's and Standard and Poor's have assigned ratings to First Penn based on First Penn's strategic affiliation with its parent, Lincoln National Life Insurance. These independent insurance rating agencies provide opinions of an insurance company's ability to meet its obligations to its policyholders. Ratings are not guarantees of future performance.

Death Benefit Protection - Term Life Insurance

First Penn-Pacific Life offers the following term insurance products:

STO PRO Offers 15, 20, 25 and 30 year plans. Premiums are guaranteed level for the first 10 years and could increase for the remainder of the specified period. After the 15, 20, 25 or 30 year specified period, premiums will increase annually to age 95.

The GTO offers fully guaranteed term life insurance for 10, 15, 20, 25, or 30 years. The premiums are guaranteed not to change for the period selected. Rates after the guaranteed level premium period will increase annually to age 95.

Death Benefit Protection Plus Cash Accumulation - Universal Life

First Penn-Pacific Life offers the following universal life insurance products:

LifeStyle Select
The LifeStyle Select provides excellent later year cash value accumulation and offers a choice of 20, 25 or 30 year death benefit guarantee periods.

The Titan provides excellent early year cash value accumulation and offers a choice of 5 or 10 year death benefit guarantee periods.

Question and Answers

1. How do I contact First Penn-Pacific Life Insurance Company?
Call First Penn-Pacific at (847) 466-8000 during their business hours (Monday-Friday 8:00 a.m. - 4:30 p.m. CT). Correspondence can be mailed to First Penn-Pacific Life, 10 North Martingale Road, Schaumburg, Illinois 60173 or you can use their e-mail form.

2. How do I get more information on First Penn's products?
You can view information about First Penn-Pacific Life products on the web site in the our products section. Additional information can also be requested by completing the e-mail form and indicating what product(s) you are interested in.

3. How is First Penn rated by A.M. Best?
A.M. Best rates First Penn-Pacific Life A (Excellent - third highest of 15 ratings). For a complete look at all of their industry ratings visit their web site.

4. How do I file a death claim?
To file a death claim please call the numbers shown below. Please have the contract number for reference. When a death claim is reported to First Penn-Pacific Life's office, they will mail the necessary claim forms, along with a list of any other requirements, based on the instructions they receive when the claim is reported. Before the claim can be settled, all forms and requirements must be completed and returned to their office, along with an original certified copy of the death certificate.

Annuities: (888) 565-0130
Universal Life: (800) 962-1652
Term Life: (888) 946-2700

5. How do I get in touch with an agent or have one contact me?
For life products you can find an agent by selecting the our products link and then selecting the product line you are interested in. A drop-down menu will appear with the "Find An Agent" link. This will link you to a page where you can locate an agent in your area. To locate an agent for an annuity product or for questions about any of First Penn-Pacific Life's products please contact the National Sales Desk at (888) 378-7366.

6. How do I contact a service representative?
You can reach a service representative by calling the numbers shown below. Representatives are available Monday - Friday 7:30 a.m. - 6:00 p.m. CT. Please have your contract number available.

Annuities: (888) 565-0130
Universal Life: (800) 962-1652
Term Life: (888) 946-2700

7. Who should I contact to find out about career opportunities at First Penn?
Please send a letter of interest and a resume to First Penn-Pacific Life Insurance Company, 10 North Martingale Road, Schaumburg, Illinois 60173, Attention: Human Resources.

8. How can I check on the status of my application?
Status on policies with outstanding requirements are updated on a regular basis. Please contact your agent to check on your application status.

10 North Martingale Road,
IL 60173

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